Every Kentucky Loan Type. One Local Expert.
Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.

🏠 FHA Loan

The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.

3.5% down · 580+ creditLearn More →

🎖 VA Loan

Zero down and no monthly mortgage insurance for veterans and active-duty service members.

$0 down · VA eligibleLearn More →

🌾 USDA Loan

100% financing for eligible rural and suburban Kentucky buyers within income limits.

$0 down · USDA areasLearn More →

🏛 KHC Assistance

Kentucky Housing down payment assistance for first-time and repeat buyers.

Up to $12,500 assistanceLearn More →

📈 Conventional

Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.

3% down · 620+ creditLearn More →

💰 Zero Down Options

Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.

$0 down programsLearn More →

🌟 First-Time Buyers

All Kentucky first-time homebuyer programs compared in plain English.

Programs & grantsLearn More →

📊 Credit Scores

What score you actually need for each loan type in 2026 — and how to raise yours.

By loan programLearn More →

Kentucky Home Inspection vs. Appraisal: Key Differences

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By Joel Lobb, Mortgage Loan Officer · NMLS #57916 · Updated September 12, 2026 The difference between a Kentucky home inspection and a Kentucky appraisal is their purpose: an inspection evaluates the home's condition, while an appraisal estimates its market value for the mortgage process. One does not replace the other. A homebuyer's two questions: What needs attention, and what is the property worth? Buying in Louisville, Lexington, Bowling Green, or elsewhere in Kentucky? Before paying for inspections and appraisal services, understand who orders each report, what it covers, and how the results may affect your purchase. In this guide Comparison Inspection checklist Appraisal process Costs and timing Video FAQs Kentucky home inspection vs. appraisal: the difference HOME INSPECTION Condition What needs attention? Roof · Foundation · Plumbing Electrical · Heating and cooling Usually arranged by: the buyer Result: an inspection report Next step: review repairs and f...
Getting a Kentucky Mortgage in 3 Simple Steps
No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.
01

💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

02

📋 Compare Your Options

FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.

03

🏠 Close & Get Your Keys

Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

Watch: Kentucky Mortgage Guides
Straight answers from my YouTube channel — no jargon, no sales pitch.
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▶ More videos on my YouTube channel →
Joel Lobb and family - Kentucky mortgage loan officer
Kentucky Local. Not a Call Center.

Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.

1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.

See What You Qualify For →

Get a HUD Home for $100 Down

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Kentucky HUD Homes for $100 Down 


Get a HUD Home for $100 Down
FHA $100 Down Payment Home Loan Program: Your Complete Guide to Buying a Home in Kentucky




If you can handle those qualifiers, here's the deal:


• You can only buy HUD homes. Go to the HUD Homes For Sale web page.

• You must use a HUD-registered real estate broker or agent.

• You must qualify for and use Federal Housing Administration (FHA) financing.

• You must plan to be an "owner-occupant," buying the property to live in and not as an investment.

• The home's purchase price must be no more than the appraised value of the property. If you bid a higher price you can pay the difference in cash, minus $100.

• The $100 down incentive must be on the executed contract. That means you have to specifically request the incentive. Your real estate agent should be aware of this provision.

• In some cases, HUD will also cover up to 6 percent of the closing costs.

• The $100 down payment program is eligible for the FHA 203(k) loans. The loans allow borrowers to use a portion of their purchase loan to repair and renovate run-down homes.

That's a good thing because HUD homes are sold in an "as-is" condition -- what you see is pretty much what you get. You could find a diamond in the rough or fool's gold. HUD homes often include a property condition report, but that is not a warranty.

The property report can resemble a home inspection report, but HUD home buyers are always encouraged to get a home inspection to determine just what "as is" is.



Watch video for more detailed info on getting approved for a HUD $100 Down FHA loan in Kentucky👇



 How It Works

 For HUD-owned homes only (found on HUDHomeStore.gov)
Owner-occupants only (no investors or vacation homes)
 Must use FHA financing through an approved lender
 May include up to 6% HUD-paid closing cost assistance
 Compatible with FHA 203(k) rehab loans for homes needing repairs

 Steps to Get Started

1️⃣ Get pre-approved with an FHA-approved lender
2️⃣ Work with a HUD-registered real estate agent
3️⃣ Browse listings at HUDHomeStore.com
4️⃣ Submit your bid with the $100 down incentive listed on your contract


FHA $100 Down Program Highlights: Down Payment: Just $100 (instead of 3.5%) Eligible Properties: HUD-owned homes only Occupancy: Must be your primary residence Financing: FHA-insured loan through approved lender




Joel Lobb 

📞 Call/Text - 502-905-3708


 www.mylouisvillekentuckymortgage.com
 911 Barret Ave., Louisville, KY 40204

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

Kentucky Mortgage Loan Expert For Kentucky FHA, VA, USDA, Fannie Mae and KHC Down payment Assistance Loans







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